NOWPayments vs CoinPayments vs Larecoin: Which Web3 Payment System Actually Cuts Your Merchant Fees in Half?

Merchant fees eating your profits?

You're processing $500K annually. NOWPayments and CoinPayments charge you $2,500–$5,000 in platform fees alone.

Larecoin? Under $2,000. Total.

Let's break down exactly why one system slashes your costs by 50–80% while the others keep skimming.

The Fee Structure Nobody Talks About

NOWPayments:

• 0.5% for single-currency transactions

• 1% for multi-currency conversions

• Network fees on top

• Withdrawal charges

• Currency conversion spreads

CoinPayments:

• 0.5–1% per transaction (volume-tiered)

• Blockchain fees added

• Conversion costs

• Withdrawal penalties

Larecoin:

• Zero platform fees

• Only Solana network gas costs

• Fractions of a cent per transaction

See the difference? Percentage-based fees versus gas-only.

That's the entire game.

Real Numbers at $1 Million Processing

You're doing $1 million annually in crypto payments.

NOWPayments/CoinPayments: $5,000–$10,000 in fees

Larecoin: Under $2,000

Your savings: 67–83%

Scale that to $5 million. Traditional platforms hit you for $37,500. Larecoin costs approximately $6,000.

84% savings.

Not marketing fluff. Basic math.

Why Gas-Only Beats Percentage-Based

Percentage fees scale with your success. You grow, they take more.

Gas fees stay flat. Process $100 or $1 million, same cost per transaction.

Solana network charges are microscopic. Sub-penny range.

NOWPayments and CoinPayments built their models on Web2 thinking. Extract maximum value from merchant volume.

Larecoin operates on Web3 principles. Decentralized infrastructure. Self-custody from day one. No middleman taking cuts.

You keep what you earn.

The Self-Custody Advantage

NOWPayments and CoinPayments hold your funds.

Custodial services. They control your money until you withdraw it. Extra fees for that privilege, obviously.

Larecoin gives you immediate self-custody. Your wallet. Your keys. Your crypto.

No waiting periods. No withdrawal limits. No permission needed to access your own funds.

This isn't just about fees. It's about financial sovereignty.

NFT Receipts for Accounting (Yes, Really)

Traditional platforms give you CSV files and email receipts.

Larecoin generates NFT receipts for every transaction.

Immutable. Blockchain-verified. Perfect for accounting and audits.

Your bookkeeper doesn't need to cross-reference five different dashboards. Everything's on-chain. Permanently recorded.

Tax season becomes manageable. Compliance becomes simple.

LUSD Stablecoin Benefits

Volatile crypto scares merchants. Understandable.

Larecoin supports LUSD stablecoin payments. Dollar-pegged. DeFi-native. Fully decentralized.

Accept payments without exchange rate anxiety. No surprise losses from Bitcoin dropping 10% overnight.

LUSD maintains stability without centralized control. Unlike USDC or USDT, no single company can freeze your funds.

True Web3 stability.

The Volume Trap

NOWPayments and CoinPayments offer "competitive rates" at higher volumes.

Sure. You might drop from 1% to 0.7% at $10 million processing.

You're still paying $70,000 annually.

Larecoin at that volume? Maybe $10,000–$15,000. All network costs.

80–86% savings maintained at scale.

The percentage model never wins. Ever.

What About Features?

"But does Larecoin have multi-currency support?"

Yes. Built on Solana. Connects to every major blockchain through bridges.

"What about conversion to fiat?"

Push-to-card functionality. Convert crypto to your bank account instantly.

"POS integration?"

Contactless crypto POS system. Works for brick-and-mortar stores.

"Invoice management?"

Receivables token system. Track payments on-chain. Generate invoices automatically.

Everything NOWPayments and CoinPayments offer: without the fee extraction.

Global Reach Without Global Fees

Cross-border payments kill traditional businesses. Currency conversions. International transaction fees. Bank delays.

All three crypto payment systems solve geographic restrictions.

But NOWPayments and CoinPayments charge extra for currency conversions. Multiple hops between coins cost more.

Larecoin uses Solana's high-speed infrastructure. Global payments at domestic speeds. Same low cost whether your customer is in Miami or Mumbai.

The Security Question

"Is self-custody safe?"

If you're asking, you've been taught to fear control over your own money.

Banks fail. Payment processors freeze accounts. Custodial services get hacked.

Self-custody means you're responsible. Also means you're protected from third-party failures.

Larecoin provides the infrastructure. You maintain sovereignty.

Trade-off? You need basic security hygiene. Hardware wallets. Backup seeds. Standard crypto practices.

Worth it to avoid arbitrary account freezes and withdrawal limits.

Setup Complexity

NOWPayments: Sign up, verify business, link bank account, integrate API, wait for approval.

CoinPayments: Similar process. Multiple verification steps. Documentation requirements.

Larecoin: Connect Solana wallet. Start accepting payments.

That's it.

No business verification delays. No waiting for approval. No proving you're "legitimate enough" for crypto payments.

Decentralized systems don't require permission.

The Developer Experience

Building on Larecoin means working with Solana's ecosystem. Fast transactions. Low latency. Modern development tools.

NOWPayments and CoinPayments offer APIs. They work. They're also bottlenecks between you and the blockchain.

Every request goes through their servers. Every transaction requires their permission. Every integration depends on their uptime.

Larecoin connects you directly to blockchain infrastructure. No intermediary. No single point of failure.

Your payment system runs on distributed nodes. Censorship-resistant. Always available.

Long-Term Cost Projections

Year one at $500K processing:

• Traditional platforms: $2,500–$5,000

• Larecoin: $1,800

Year three at $3 million processing:

• Traditional platforms: $15,000–$30,000

• Larecoin: $4,000–$5,000

Five-year difference? $75,000–$125,000 saved.

Compound that with business growth. You're looking at six-figure savings over a standard business lifecycle.

Who This Isn't For

Larecoin won't work if you:

• Need someone else to hold your hand through crypto basics

• Want a centralized support team to fix every problem

• Prefer giving up control for perceived convenience

• Think 1% fees are "just the cost of doing business"

Web3 requires autonomy. Self-custody requires responsibility.

If you want traditional comfort, stick with traditional fees.

Making the Switch

Migrating from NOWPayments or CoinPayments takes hours, not weeks.

Export your customer data. Set up your Larecoin merchant account. Update payment links.

Your customers won't notice the difference. They're still paying with crypto. Same experience.

You'll notice when you check your fee statements.

Or rather, when you don't have fee statements worth reviewing.

The Verdict

NOWPayments and CoinPayments serve merchants who need training wheels. Custodial comfort. Traditional payment gateway thinking wrapped in crypto packaging.

Larecoin serves merchants ready for actual Web3 infrastructure. True decentralization. Real cost savings.

50–80% fee reduction isn't marketing hyperbole. It's the natural result of eliminating middlemen.

Gas-only pricing beats percentage models. Self-custody beats custodial control. Blockchain infrastructure beats centralized servers.

The choice isn't complicated.

Want someone to hold your funds and charge you for the privilege? NOWPayments or CoinPayments work fine.

Want to keep your money and pay only network costs? Larecoin is waiting.

Your business. Your crypto. Your decision.

Time to stop subsidizing payment processors who add no value beyond permission gates.